Auto Insurance Rates for a Buick Lucerne in Las Vegas

Do you need a better way to compare lower-priced Buick Lucerne insurance in Las Vegas? Trying to come up with a payment for pricey auto insurance can dwindle your savings account and force you to cut corners elsewhere. Performing a price comparison is a great way to ensure you are getting the best deal.

Amazingly, 70% of consumers kept their coverage with the same auto insurance company for more than four years, and nearly 40% of drivers have never compared rates to find cheap insurance. Consumers in Nevada could save $545 every year by just comparing rate quotes, but they underestimate the actual amount they would save if they just switched companies. Consumers have so many insurers to insure vehicles with, and although it’s a good thing to have multiple companies, more options can take longer to find the lowest rates for Buick Lucerne insurance in Las Vegas.

It’s a good idea to shop coverage around once or twice a year since insurance rates change regularly. If you had the best premium rates on Buick Lucerne insurance in Las Vegas two years ago a different company probably has better prices today. There is a lot of wrong information about Lucerne insurance on the web, but we’re going to give you some guaranteed methods to buy auto insurance cheaper in Las Vegas.

Buying more affordable car insurance policy in Las Vegas is easy to do. If you have coverage now or are shopping for new coverage, you can use this information to save money without reducing coverage. Smart buyers just need to use the quickest way to quote multiple rates online.

Coverage information

The coverage information shown next showcases estimates of insurance costs for Buick Lucerne models. Having knowledge of how auto insurance premiums are determined can benefit drivers when making decisions on which insurance to purchase.

Price data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Nevada minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, multi-vehicle, and claim-free. Rate quotes do not factor in specific Las Vegas garaging location which can impact price quotes greatly.

Insurance deductibles

One common question asked by Las Vegas drivers is how high should the physical damage deductibles be. The data tables below may help to conceptualize the costs and benefits between low and high physical damage deductibles. The first pricing table uses a $250 comprehensive and collision deductible and the second set of rates uses a $1,000 deductible.

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Nevada minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, homeowner, and multi-policy. Rates do not factor in zip code location which can revise auto insurance rates significantly.

Based on the figures above, using a $250 deductible will cost in the ballpark of $27 more each month or $324 each year than opting for the higher $1,000 deductible. Because you would pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you normally average more than 28 months between claim filings, you would most likely save money by going with a higher deductible. The table below illustrates how you can decide this on your own policy.

One big caveat is that a higher deductible means you will have to pay more out-of-pocket if you have a claim. You must have some non-essential savings in order to pay more to get your vehicle repaired.

Car insurance coverage information

Understanding the coverages of car insurance can be of help when determining the right coverages and proper limits and deductibles. Car insurance terms can be impossible to understand and coverage can change by endorsement. Below you’ll find typical coverage types offered by car insurance companies.

Liability

This coverage can cover damage that occurs to a person or their property in an accident. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 15/30/10 that translate to $15,000 in coverage for each person’s injuries, a total of $30,000 of bodily injury coverage per accident, and property damage coverage for $10,000. Another option is a combined single limit or CSL that pays claims from the same limit without having the split limit caps.

Liability can pay for claims like bail bonds, medical expenses and legal defense fees. How much liability coverage do you need? That is a personal decision, but you should buy higher limits if possible. Nevada state law requires minimum liability limits of 15/30/10 but you should think about purchasing higher limits.

The next chart shows why buying minimum limits may not be enough coverage.

Comprehensive insurance

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as damage from getting keyed, falling objects and rock chips in glass. The highest amount a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required (15/30/10), their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked. Normally the UM/UIM limits do not exceed the liability coverage limits.

Auto collision coverage

This pays for damage to your Lucerne caused by collision with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims like colliding with a tree, backing into a parked car, driving through your garage door and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. It’s also possible to raise the deductible on your Lucerne to bring the cost down.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage pay for immediate expenses like funeral costs, ambulance fees, dental work and X-ray expenses. The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Don’t give up on cheaper rates

When trying to cut insurance costs, do not buy poor coverage just to save money. Too many times, someone sacrificed liability coverage limits only to find out that the small savings ended up costing them much more. The ultimate goal is to purchase a proper amount of coverage for the lowest price, but don’t skip important coverages to save money.

In this article, we presented quite a bit of information on how to reduce Buick Lucerne insurance premium rates online in Las Vegas. The key concept to understand is the more companies you get prices for, the higher your chance of finding the cheapest Buick Lucerne rate quotes. You may even be surprised to find that the lowest premium rates come from the smaller companies. Some small companies may have significantly lower prices on certain market segments than the large multi-state companies such as Allstate and Progressive.

There are still a few companies who may not provide online rate quotes and most of the time these smaller companies provide coverage only through independent agents. Budget-conscious Buick Lucerne insurance can be found on the web and from local insurance agents, and you should be comparing both to have the best rate selection.

Steps to finding the cheapest rates for Buick Lucerne insurance in Las Vegas

If you want to save money, the best way to get more affordable car insurance rates is to compare prices annually from providers who sell auto insurance in Las Vegas.

• First, try to comprehend policy coverages and the changes you can make to lower rates. Many risk factors that are responsible for high rates like high-risk driving behaviors and a bad credit score can be eliminated by making minor changes to your lifestyle.
• Second, get rate quotes from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only quote rates from a single company like GEICO or State Farm, while independent agents can provide prices from multiple sources.
• Third, compare the new rates to the premium of your current policy to see if cheaper Lucerne coverage is available in Las Vegas. If you find a lower rate and switch companies, make sure the effective date of the new policy is the same as the expiration date of the old one.

A tip to remember is to try to use similar deductibles and liability limits on each quote and to quote with as many different companies as possible. Doing this provides a level playing field and maximum price selection.

Much more information about car insurance in Nevada can be found below:

• Things to Know Before you Cancel Insurance (Allstate)
• Who Has Cheap Auto Insurance Rates for Nurses in Las Vegas? (FAQ)
• Who Has Cheap Auto Insurance Rates for a Honda Pilot in Las Vegas? (FAQ)
• Who Has Affordable Auto Insurance Rates for Safe Drivers in Las Vegas? (FAQ)
• Who Has the Cheapest Auto Insurance Quotes for Drivers Over Age 50 in Las Vegas? (FAQ)
• Who Has Affordable Las Vegas Auto Insurance Rates with Multiple Speeding Tickets? (FAQ)
• Coverage Information (Progressive Insurance)
• Safety Tips for Teen Drivers (Insurance Information Institute)
• Neck Injury FAQ (iihs.org)
• Pickups fall short in headlight tests (Insurance Institute for Highway Safety)